What Banks in India Had the Lowest Loan to Deposit Ratio in 2018?

Top Banks by Loans (As % Of Deposits)
Banking | India | November 05, 2019
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Excel Sheet

Based on a comparison of 26 banks in India in 2018, Central Bank of India operated with the lowest loan to deposit ratio, followed by UCO Bank and Bank of Maharashtra.

Central Bank of India's loan to deposit ratio reached 49.1% at the end of 2018, down from 53.3% when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 76.2% in 2012 and an all time low of 43.1% in 2003.

Comparing Central Bank of India with its closest peers, UCO Bank ended the year 2018 with loans to deposits at 50.2%, Bank of Maharashtra with 58.8% and Dhanlaxmi Bank some 59.3% of loans to deposits at the end of 2018.

You can see all the banks loan to deposit ratio on the Loans (As % Of Deposits) indicator page or you can download a report on the Indian banks in the report section.

Loans (As % Of Deposits) Unit 2011 2012 2013 2014 2015 2016 2017 2018
Axis Bank % 84.1% 87.6% 91.8% 99.5% 95.5%
Bandhan Bank % ... ... ... ... 103% 72.5%
Bank of Baroda % 81.6% 85.6% 84.2% 77.9% 63.5%
Bank of India % 75.7% 77.9% 79.3% 70.1% 76.0%
Bank of Maharashtra % 80.0% 76.1% 80.7% 77.4% 68.7%
Canara Bank % 68.2% 71.6% 69.7% 67.7% 69.1%
Central Bank of India % 76.2% 74.0% 73.9% 67.8% 47.2%
City Union Bank % 75.1% 73.1% 74.6% 77.5% 79.1%
DCB Bank % ... ... ... 83.0% 86.6% 82.0%
Dhanlaxmi Bank % 69.4% 65.4% 61.9% 61.2% 57.1%
Federal Bank % 76.9% 73.2% 72.8% 73.8% 75.9%
HDFC Bank % 84.2% 86.6% 85.8% 90.0% 92.1%
ICICI Bank % 110% 112% 117% 113% 104%
IDBI Bank % 86.5% 83.9% 80.3% 81.4% 71.1%
IDFC First Bank % ... ... ... ... 556% 123%
Indian Bank % 74.4% 75.3% 74.4% 72.4% 70.0%
Indian Overseas Bank % 79.3% 77.2% 69.8% 71.6% 66.5%
IndusInd Bank % ... 81.9% 91.1% 92.8% 95.1% 89.3%
Kotak Mahindra Bank % 137% 128% 124% 107% 107%
Lakshmi Vilas Bank % 74.9% 69.4% 74.4% 77.2% 77.7%
Punjab & Sind Bank % 79.0% 73.0% 77.9% 73.0% 68.2%
Punjab National Bank % 83.2% 82.7% 86.3% 88.9% 67.4%
State Bank of India % 87.6% 87.9% 83.2% 83.6% 73.0%
UCO Bank % 74.0% 75.0% 68.7% 60.8% 59.5%
Union Bank of India % 77.7% 77.1% 81.1% 78.1% 75.1%
Yes Bank % 70.2% 75.0% 82.9% 87.9% 92.6%
AVERAGE % 79.6% 82.0% 81.6% 82.1% 100.0% 77.8% 78.7% 78.5%